Holiday Budgeting Tips for Central Wisconsin Families

The holidays in Central Wisconsin are magical—snowy streets, festive lights, and family gatherings. But let’s be honest: they can also be expensive. From gifts to travel and extra heating costs, it’s easy for spending to spiral. The good news? With a little planning and the right tools, you can enjoy the season without financial stress.

This post shares holiday budgeting tips and highlights PSCU savings options to help you stay on track.

1. Set a Realistic Holiday Budget

Start by listing all expected expenses: gifts, food, travel, decorations, and seasonal activities. Assign a spending limit for each category and stick to it.

Pro Tip: Use free budgeting apps or a simple spreadsheet to track your progress.

2. Open a Holiday Club Account

PSCU’s Holiday Club Savings account is designed for seasonal expenses. Here’s why it works:

  • APY: 1.00%

  • Minimum Opening Deposit: $25

  • Funds are available when you need them, and early withdrawal penalties encourage disciplined saving.

Start now for next year—you’ll thank yourself when the holidays roll around.

3. Take Advantage of Local Deals

Central Wisconsin offers plenty of opportunities to save:

  • Shop local businesses in Wausau for unique gifts and seasonal discounts.

  • Check community events for free or low-cost holiday activities.

Supporting local businesses keeps money in our community and often saves you on shipping costs.

4. Use PSCU Tools to Manage Cash Flow

If holiday expenses feel overwhelming, PSCU offers short-term solutions:

  • Holiday Helper Loan: Borrow $500 or $1,000 at 9.99% APR for 12 months.

  • Kwik Cash Line of Credit: Up to $5,000 at 11.75% APR for flexible access.

These options can help you avoid high-interest credit cards while keeping your budget intact.

5. Plan Ahead for Next Year

Once the holidays are over, review your spending and set a savings goal for next season. Automate deposits into your Holiday Club account to make saving effortless.

Local Tip

Winter in Wisconsin means extra heating costs and snow removal expenses. Factor these into your holiday budget so you’re not caught off guard. Or utilize programs like WPS’ Budget Billing that allow you to pay a consistent amount all year.

Need Help?

Need help creating a holiday budget or exploring PSCU savings options? Meet with a certified financial counselor for free!
📧 Email: info@publicservicecu.org
📞 Call: (715) 842-9865
Or visit us in Wausau to speak with our Member Services team.

Personal Finance, SavingsKyle Turner